How Caramel Cares for You

Caring for yourself or a loved one can feel overwhelming, especially when it comes to funding care. At Caramel Healthcare, we simplify the process by offering flexible payment options and guidance tailored to your needs. Whether you need care for a few hours a day, live-in support, or specialized assistance, we’re here to help.

Understanding the Cost of Visiting Care

Visiting care provides professional support in the comfort of your home. Costs depend on:

• Type of care required (personal care, companionship, dementia support, medication assistance)
• Duration and frequency (hourly, daily, or weekly plans)
• Specialized needs (mobility assistance, palliative care, complex medical care)

Caramel Healthcare’s Pricing:

• From £25 per hour (varies based on care level and location)
• Live-in care starts at £950 per week for round-the-clock support

Key Considerations:

• Evening and weekend care may incur additional charges
• Specialized care (e.g., dementia care) may have higher rates
• Flexible payment plans are available to ease financial pressure

Funding Your Care

You can cover care costs through local authority support, NHS funding, private payments, or benefits.

1. Local Authority (Council) Funding

If you have less than £23,250 in savings, you may be eligible for council funding.

How to Apply:

• Request a care needs assessment from your local council
• Undergo a financial assessment to determine your contribution
• If eligible, the council may cover part or all of your care costs

Key Considerations:

• If the council provides direct contributions, you can choose Caramel Healthcare as your provider
• If you own property, you may defer payments (see Deferred Payment Scheme below)

2. NHS Continuing Healthcare (CHC) – Fully Funded Care

If you have complex medical needs, the NHS may cover your entire care cost.

Who Qualifies?

• Individuals with advanced dementia, stroke, neurological disorders, or other serious conditions
• Eligibility is based on health needs, not financial status

What’s Covered?

• Home care, live-in care, or nursing home costs

Key Considerations:

• The NHS assessment process can be strict, and initial applications are often denied
• If denied, a care specialist can help you appeal

3. Private Pay (Self-Funding)

If you don’t qualify for government funding, you may need to self-fund your care.

Ways to Cover Costs:

• Personal savings & pensions
• Equity release (using your home’s value)
• Care annuities (insurance plans for lifelong care payments)

Key Considerations:

• Seek advice on tax-efficient funding options
• Caramel Healthcare offers flexible payment plans to reduce financial strain

4. Benefits & Allowances

Even if you self-fund, you may qualify for financial support.

Key Benefits:

• Attendance Allowance: Up to £101.75/week (for over 65s needing personal care)
• Personal Independence Payment (PIP): Up to £184.30/week (for disabilities under 65)
• Carer’s Allowance: £81.90/week for informal carers

Key Considerations:

• These benefits are not means-tested, your income and savings don’t affect eligibility

5. Deferred Payment Agreement (DPA) – Pay Later

If you own a home but lack immediate funds, you can defer care payments until you sell your property.

How It Works:

• The local council covers your care costs upfront
• You repay the amount later from your estate

Key Considerations:

• If a spouse or dependent lives in the home, the property may not be counted in the assessment
• Interest may accrue on deferred payments

Why Choose Caramel Healthcare?

• Personalized Care Plans: Tailored to meet your needs and preferences
• Funding Application Assistance: We help you navigate council, NHS, and benefits applications
• Flexible Payment Options: Designed to ease financial stress
• Quality, Compassionate Care: Our professional caregivers provide the highest standard of support

Need Help?

We’re here to guide you through every step. Contact Caramel Healthcare for a free consultation on funding and care planning.

• Call us: 02382516500 or 07495945960
• Email us: hello@caramelhealthcare.co.uk
• Visit our website: www.caramelhealthcare.co.uk

Find the Right Funding Plan for You

Paying for care can be challenging, but knowing your options helps ease financial worries.

✔️ Check if you’re eligible for council or NHS funding
✔️ Explore benefits and allowances to reduce out-of-pocket costs
✔️ Learn about tax-efficient funding from financial experts

With Caramel Healthcare, you’re never alone in the process. Call us today to discuss your care needs and the best funding options available.